| Risk Management
and Insurance Quick Reference Guide - Guidelines for Outside
User/Special Events Liability Insurance Program
GUIDELINES
FOR OUTSIDE USER/SPECIAL EVENTS LIABILITY INSURANCE PROGRAM
I. PURPOSE AND SCOPE OF THE PROGRAM:
Outside User/Special Events Insurance is a policy, which
may be purchased by qualifying non-Diocesan groups or individuals
that use Diocesan facilities for non-parish events in order
to fulfill Diocesan insurance requirements. The group or individuals
using the premises (“users”) and the Diocese are
afforded liability insurance coverage for injuries and property
damage resulting from the on premises operations of the users
subject to the terms and conditions of the policy. Following
is an overview of the coverage provided:
| Basic Coverage: |
Commercial General
Liability |
| |
|
| Limit of Liability: |
$1,000,000 Combined Single
Limit Bodily Injury and
Property Damage (subject to policy limitations) |
| |
|
| Host Liquor Coverage: |
Included |
| |
|
| Liquor Liability: |
Excluded (unless purchased
for extra premium) |
| |
|
Special Exclusions:
(no coverage provided) |
Athletic Participants;
Sports and athletic events;
Rock Band Events;
Fireworks and fireworks displays;
Any mechanically operated amusement device;
Any band member practicing for or performing
at a dance.
Other exclusions also apply. |
| |
|
| User Fee: |
See Form |
ATTENTION
| IMPORTANT
NOTICE: |
The coverage and
limit of liability provided by the Outside User/Special
Events Insurance is intended to fulfill Diocesan insurance
requirements only.
No representations are made that the coverage or limits
are adequate for the protection of facility users or anyone
else.
This overview of coverage is intended to facilitate your
understanding of the Outside User/Special Event Insurance
program. It is not intended to replace or supersede the
policy. |
II. WHO SHOULD PURCHASE THE COVERAGE?
Generally, any individual or non-Diocesan group that uses
Diocesan facilities on a one time or occasional basis should
purchase this coverage.
This program is not designed for habitational activities
(sheltering of the homeless, etc.), regularly scheduled activities
(weekly classes or meetings, etc.) or for uses of premises
exceeding three consecutive days. In such cases, special contracts
and permanent insurance, meeting Diocesan requirements, must
be provided.
- Except for genuine parish functions, the use of parish
facilities should be limited as follows:
- Reception or other events in connection with the Sacraments;
anniversary, birthday or other family oriented celebrations;
a meeting of a non-parish group (see below) that a parishioner
is responsible to sponsor/arrange.
Use by Groups:
-
- Non-profit groups for religious or charitable purposes.
-
-
- Groups and individuals may already have insurance policies
that they believe are appropriate and may balk at the prospect
of purchasing additional coverage. All individuals and,
with few exceptions, all groups purchase this Special Events
Insurance coverage. Department of Risk Management and Insurance
Services approval should be secured for any exceptions.
-
-
- The Knights of Columbus, Italian Catholic Federation and
other, similar, incorporated, Catholic groups that provide
proof of insurance acceptable to our Insurance Administrators
can be excepted from purchasing the special events coverage.
Similar exceptions may be granted to the Boy/Girl Scouts.
Special exceptions may be considered for groups such as
Alcoholics Anonymous. Please contact the Chancery Office-
Department of Finance for assistance.
III. FORMS AND PAPER WORK:
There are two forms that must be filled out whenever Diocesan
facilities are used by non-Diocesan groups or individuals:
the Outside Users/Special Events Coverage Application form
and a License Agreement.
When filling out the Outside Users/Special Event Coverage
Application, no representations should be made as to the scope
or adequacy of the coverage. Parish personnel should just
say that purchasing the coverage is simply a Diocesan insurance
requirement. Refer all questions regarding the coverage, exclusions
or claims handling procedures to the program administrator,
Beverly Griggs - Arthur J. Gallagher at 1 (800) 877-9300.
Please note that the License Agreement must be executed even
if the requirement to purchase the Special Events coverage
is waived by the Finance Department. In this case, normal
Diocesan insurance requirements must still be met by securing
a Certificate of Insurance and appropriate Additional Insured
Endorsements from the Outside User’s own insurance carrier.
Do not submit the Outside User/Special Event Form in this
situation.
The Pastor or parish administrator is responsible for assuring
that the completed forms and payment reach the Department
of Finance at least seven days prior to the event. The parish
is not to hold these forms. Instructions are provided on the
application.
Liability Insurance
for the Events of Outside Users at Diocese of Stockton Facilities
- 14 KB.
Approved
Special Events - 13 KB.
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Last Update February 26, 2008 |
